Optional Services, Inc.

1) Evaluate & Qualify

By carefully reviewing your income statement and credit report, Optional Services evaluates your financial profile. We look for legitiment mistakes on your credit report and give you the tools to rectify this, thus increasing your score to its deserved state. A personal commitment to paying your bills on time is critical to your success. Evaluation fee is $45.00.

If you qualify, we run different scenarios and anticipate potential challenges for loan underwriters. Together we create a strategy to improve your credit score and a step-by-step plan that you are responsible for implementing.

2) Rebuild/Maintain Your Credit

After 60 days, we review the progress from your credit report. You will need to have maintained good credit by remaining current with all your bills.

Some of our clients skip Step 2 and go directly to Step 3 because of their good income.

3) Rent With The Option To Buy

Optional Services will partner with real estate brokers to put you in touch with several home sellers. Once you choose a home, you will establish a 6 to 12 month rent option agreement (possibly up to 18 to 24 months in some cases). A non-refundable option consideration deposit is required. Processing fee is $55.00.

After this option period of paying your rent and bills on time, you will have the option to buy the home if you wish.

4) Homeowner

You now qualify for a home loan!

Congratulations on making your dreams come true! You are now a homeowner!